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Financial Highlights
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Latest On:
Period Ended
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 5,018,756 4,899,012 4,132,281 3,984,403 3,714,059
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Total Net Loans 3,604,510 3,571,642 3,108,574 3,026,496 2,843,283
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Total Deposits 4,075,894 3,975,559 3,315,634 3,231,653 3,083,975
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Equity Attributable to Parent Company 657,983 600,764 502,507 442,438 419,272
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Total Equity 657,983 600,764 502,507 442,438 419,272
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Profitability (%)
Net Income($000) 89,352 70,002 54,310 52,128 54,097
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Net Income Attributable to Parent($000) 89,352 70,002 54,310 52,128 54,097
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ROAA 1.80 1.63 1.33 1.36 1.52
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Core ROAA 1.81 1.88 1.43 1.31 1.30
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ROAE 14.01 13.62 11.02 12.09 13.03
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ROATCE 17.44 16.21 13.07 14.76 15.73
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Core ROAE 14.08 15.75 11.83 11.70 11.13
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Net Interest Margin 3.59 3.54 3.46 3.50 3.76
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Reported: Net Interest Margin 3.59 3.54 3.46 3.50 3.76
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Efficiency Ratio 50.22 49.75 51.34 54.40 54.04
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Noninterest Inc/ Operating Rev 29.07 30.50 31.62 31.74 31.82
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Balance Sheet Ratios (%)
Loans/ Deposits 88.71 90.19 94.31 94.18 92.79
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Securities/ Assets 17.73 16.67 15.23 13.56 12.70
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Total Equity/ Total Assets 13.11 12.26 12.16 11.10 11.29
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Tangible Equity/ Tangible Assets 10.98 10.01 10.46 9.30 9.34
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Tang Common Equity/ Tang Assets 10.98 10.01 10.46 9.30 9.34
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Asset Quality (%)
NPAs/ Assets 0.85 1.09 1.12 1.19 1.23
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NPA Excl Restructured/ Assets 0.32 0.39 0.34 0.46 0.63
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NPAs & 90+ PD/ Assets 0.86 1.09 1.13 1.20 1.26
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NPAs/ Loans & REO 1.18 1.49 1.48 1.55 1.59
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Nonaccrual & 90+ & OREO/ Assets 0.33 0.40 0.34 0.47 0.66
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NPAs & 90+ PD/ Loans & REO 1.19 1.49 1.49 1.57 1.63
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NPA & Loans 90+/ Tangible Common Equity + LLR 7.86 10.85 10.55 12.47 13.03
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NCOs/ Avg Loans 0.09 0.02 0.13 0.13 0.29
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Loan Loss Reserves/ Gross Loans 0.32 0.45 0.60 0.65 0.67
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Reserves/ NPAs 27.02 29.93 40.55 41.64 42.10
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Loan Loss Provision/ NCO (39.97) NM 77.08 112.23 89.46
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Capital Adequacy
Tier 1 Common Capital (CET1)($000) 532,640 493,945 430,154 371,677 345,620
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Tier 1 Capital($000) 536,640 497,945 446,154 387,677 361,620
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Tier 2 Capital($000) 11,651 16,275 19,138 20,729 20,560
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Total Capital($000) 548,291 514,220 465,292 408,406 382,180
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Total Risk-weighted Assets($000) 3,319,405 3,266,914 2,842,453 2,787,217 2,531,525
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Tier 1 Common Capital (CET1) Ratio(%) 16.05 15.12 15.10 13.34 13.65
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Tier 1 Ratio(%) 16.17 15.24 15.66 13.91 14.28
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Total Capital Ratio(%) 16.52 15.74 16.34 14.65 15.10
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Liquidity Coverage Ratio(%) NA NA NA NA NA
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Leverage Ratio(%) 10.98 11.44 11 10.08 10.15
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Basel III Leverage Ratio(%) NA NA NA NA NA
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Per Share Information ($)
Common Shares Outstanding(actual) 16,303,439 16,555,145 15,618,029 15,128,433 15,180,215
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Avg Diluted Shares(actual) 16,333,000 15,439,000 15,436,000 14,913,000 15,170,000
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Basic Book Value per Share 40.36 36.29 32.17 29.25 27.62
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Book Value per Share, As Reported 40.36 36.29 32.17 29.25 27.62
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Basic Tangible Book Value per Share 32.98 28.87 27.14 24.01 22.36
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Tangible Book Value per Share, As Reported 33.02 28.87 27.14 24.01 22.36
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Common Dividends Declared per Share 2.20 1.98 1.78 1.72 1.68
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EPS after Extra 5.42 4.49 3.48 3.45 3.53
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EPS after Extra Growth(%) 20.70 29 0.90 (2.30) 4.40
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Core EPS 5.45 5.20 3.74 3.34 3.01
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Core EPS Growth(%) 4.80 39.10 12.10 10.90 (10.70)
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Diluted EPS before Amortization 5.54 4.52 3.51 3.49 3.57
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Pre-Provision Earnings per Share 5.31 5.02 3.69 3.37 3.25
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Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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